host: jim from connecticut, republican line. caller: i have two questions. first, if there is no agreement by the december 31st deadline, can the congress act in such a way that any change in the law would be retroactive to january 1, 2013? do you believe the congress will consider solving for the individual taxpayer instead of the lobbyists? how do we get that turned around? guest: my answer to the upper question now, whether or not they can retroactively take on some of these issues so they do not pass it they can go on in postdate, that is something that have done quite often in terms of tax extensions in different bills where they will pass in february but it will be effective until january. host: industries benefiting most from this issue in terms of lobbying against sequestration in this issue of the fiscal cliff. education, health care, civil service and public officials. our last call joining us from buffalo, new york, good morning. caller: are you there? host: please, go ahead. caller: i am 21 years old and i resign myself to the fact that there wil